The most common reasons for a chapter 7 filing is you're trying to eliminate some unsecured debt, meaning credit cards or medical bills that have gotten out of control, or you're trying to walk away from a house and not be held liable for the mortgage on the home. In chapter 7 cases we're dealing with clients who don't have a lot of assets that they would lose if they filed chapter 7 but have a lot of debt that they can get rid of, and are looking for that fresh start.